Ask HN: what business steps are necessary for a bootstrapped SAAS?

Assume in the US and either a b2c or b2sb (business to small business)<p>Do I need some kind of business insurance (are some people selling without this)? What kind? How much would I expect to pay? Where are some places to look for this?<p>Is incorporating necessary? How much should I expect to pay?<p>Anything else like the above that I need to think about. Answers or links to resources would be much appreciated.